30 Year and 40 Year - Mortgage Loan Programs
Our Mortgage Loan Programs
Home Sweet Home Mortgages is the number one loan origination company. Our expert consultants are qualified in handling a wide selection of mortgage loans and creative financing solutions for your unique situation. These include but are not limited to the LOW, LIBOR "Interest Only" Loan. We have over 200 lenders and hundreds of programs! (See a few samples below.) You will be able to choose from a wide variety of programs including, but not limited to the new 50 year loan and 40 year loan or 30 year loan with 10 year interest only, 5 year loan with interest only option, zero points and/or zero closing cost option, fixed rate loans, adjustable rate loans, jumbo loans, construction loans, A credit (conventional) BCD credit (less than perfect) mortgage loans. Just call: 877-RATE-100. Check out our "Homes For Sale By Owner" section and our First Time Home Buyer mortgage programs too!
And, YES...prior Bankruptcy is OK too!!! Just call our BK hotline at: 877-BK-is-OK-1 (877-254-7651)
No matter what type of investment, we have a program for you. We have mortgage loans for real estate, apartment buildings or commercial property up to 90% LTV and CLTV. Our flexible mortgage loan programs include allowance for gifts, cash-out refi, as well as no fees, no asset, no income, and no documentation. To get a better idea of what we offer, check out our rate sheet. Feel free to use our payment calculator to assist you in your loan decision.
Real Financial Solutions
This is the online mortgage website that offers real financial solutions at low, down-to-earth rates. We understand that there are people with good credit as well as those with less than perfect credit ("BCD").
Whether you want a mortgage loan for home equity, refinance, purchase, investment, or debt consolidation, we have mortgage loans for you at the best interest rates available. Our site is designed to make lending online safe and convenient. Please see our mortgage application process or just call us at: 877-RATE-100.
Our Commitment To You
Home Sweet Home Mortgages is dedicated to assisting you in getting affordable mortgage loans with various types of credit records. Qualified staff members are intent on doing nothing less than satisfying our customers' needs. We have a reputation for attentive, responsive service that makes the entire mortgage loan process pleasant and enjoyable. Our outstanding staff is also well experienced in meeting deadlines.
Communication: A Top Priority
Customer feedback has indicated that Home Sweet Home Mortgages excels in these areas of dependable and friendly customer service. We guarantee satisfaction with the entire loan process.
"I just wanted to personally thank you for your extreme hands on approach to the entire home buying process. You have been a beacon on a sometimes dark path and I will completely recommend you to everyone and anyone I can. It is so hard to get good customer service in so many service oriented businesses and you certainly have shined far above any in recent memory." David Scott
Qualify for a Mortgage Today!
With ONE CREDIT REPORT through us, you will have access to over 100 TOP lenders and hundreds of programs to choose from!! (See a few samples below.)
Each Lender has its own unique range of different "niche" programs and interest rates to choose from...do YOU know what they are? We DO! You won't have to worry about going from lender to lender having your credit pulled over and over again! We can pre-qual you with those lenders using one, simple credit check. It's FAST & EASY! Just call us today at: 877-RATE-100
Call 877-RATE-100 right away and ask us "how to buy a home with no money down"!
Jumbo Loans or Construction Loans:
ONE set of fees. ONE application. ONE closing.
Building Your Dream Home?
Consider the Benefits of a Single Close Construction Loan:
Loan Products
Choose from several loan products, many at rates below what is normally charged for interim construction financing to save thousands of dollars in interest charges.
Financing
Finance up to 95% of appraised value, which may require little or no money down.
Flexible
Pay interest monthly or finance it into the loan balance during the interest-only phase.
Lot Equity
Lot equity or items paid in advance may be used as credit toward the down payment. In many cases, lot equity is sufficient to cover the down payment.
Minimum Down Payment
Finance closing costs for a zero or minimal down payment.
ONE Single Loan
Enjoy a full 12 months of interest-only payments, which may be rolled into your permanent loan. This allows time for your new construction and the sale of your current home. No need to move twice!
Illinois or Nationwide.
Just call: 877-RATE100.
With over 100 Lenders, we have a program for you!
Don't have Perfect Credit? Then check out one of our Lender's Programs:
High LTVsThe Day After Bankruptcy DischargeTraditional ProductsChapter 7 or 13 >1 day dischargedFull or limited docChapter 13 buyout Purchase or refinance
DTI up to 55% based on LTVInterest Only options availableCollections, charge-offs, tax liens, and judgments NOT included in credit evaluation; only items on title must be paid.
Niche Products
Chapter 7 or 13 >1 day dischargedFull doc: 580+ credit scoreLimited docUp to 100% CLTVNo rental history1x30 on mortgage/rentAnother Lender:
1 year Bankruptcy
620 mid score purchase or refinance.
95% LTV non owner occupied (full doc only)
40 year amortization OR interest only programs available.
No trade line requirements with 620+ FICO score full doc
55% debt ratio available on most programs.
Interest only Chapter 13 Buyout to 100%Private VOR Accepted Cash out to $200K 90% LTV, 540+, 1 x 30 rolling First Time Home Buyer to 100%90% LTV: N/O/O, Full Doc Disregard Consumer Lates Rent Free allowed on many programs Stated and Lite Doc Options Available90% LTV, 560+, unlimited 30s, 1 year BK, Full Doc620+ No credit depth or tradeline requirement (Full Doc)It's pretty simple; we offer awesome products and services!
Check this out! One of our other Lender's offer:
Single Financed Mortgage Insurance up to 95% LTV.
NO ADJUSTMENTS FOR SINGLE FINANCED Mortgage Insurance (MI).
If you need the 100% LTV - I suggest either our LPMI (Lender Paid Mortgage Insurance MI) or a combo loan with us.
If your LTV is 95% or less, the Single Financed MI is the most cost effective alternative for borrower (eliminates two loan packages, and no LPMI adjustments). It also offers the Involuntary Unemployment Insurance (IUI). Up to $2000 per month for 6 months.
Are you still wondering how to get 100% LTV on those loans with 30 day delinquencies in the past 12 months? Then, check out this lender!
WE CAN HELP!!
We offer 100% LTV on unlimited 30 day delinquencies in the past 12 months on the mortgage! Yes unlimited 30 day delinquencies!!
We are YOUR home for Manufactured Homes!!
Check out this Lender's New Rates with more Flexibility!!
640 SCORE, 90% LTV - 575 SCORE, 80% LTV.Refi or Purchase, Owner Occupied & FULL DOC ONLY.Previous BK and Foreclosures OK. Discharged only 2 yrs on scores 575; 3 yrs above 640. Short job-OK. Short residence-OK, need 12 months, DTI high-OK to 50%! Purchase or Refi treated the same, except for First Time Homebuyers! Seller Concession of 6% allowed for closing costs only! Cash out limit of $100,000, will consider more Case by Case. No limit on debt consolidation!Maximum DTI%. Score 640, 50% and minimum disposable of $1200!Maximum DTI%. Score 575 45% and minimum disposable of $700!Terms fixed and fully amortized, 10-30 years. NOW AVAILABLE IN 2/28ARMS!!Minimum loan amount $35,000 - Maximum loan amount $350,000.PROPERTY REQUIREMENTS
Built no earlier than 1976.Must be on a PERMANENT FOUNDATION.No Piers, posts or skirting.Must be titled and assessed as real property.Must be Doublewide Only, pitch roof.All COMPS, manufactured homes, within 10 miles of property, no less than 12 months old.We do NOT favor Negative Amortization Products, but here is a lender that provides an "Option Payment Plan" for you to review.
Borrower FOUR PAYMENT OPTIONS, plus
Cash Flow FLEXIBILITY, Tax ADVANTAGES,
Enhanced SAVINGS, and Maximum Home AFFORDABILITY!
FULL DOC
95% Primary to $500,000 with a 62095% Primary to $650,000 with a 68090% Primary Cash Out to $650,000 with a 62095% Second Home to $500,000 with a 66090% Investor to $500,000 with a 62090% Primary to $400,000 with a 62075% Primary to 1,500,000 with a 70090% Second Home to $500,000 with a 66080% Investor to $650,000 with a 66075% Investor Cash Out to $1,000,000 with a 66090% Primary to $400,000 with a 62090% Second Home to $500,000 with a 66090% Primary Cash Out to $400,000 with a 660 PRODUCT DETAILS
Purchase, Rate/Term, Cash Out (where applicable)Primary, Second Home, InvestmentLow Rise Condo, High Rise Condo, Non-Warrantable Condo and Condotels Allowed (use our Product Finder for LTV details)
Min Loan Amount: $25,000, Max Loan Amount: $3,000,000Flexible Manual UnderwritingUnlimited number of financed or owned propertiesForeign Nationals (Full Doc & Stated) AllowedQualifying rate - Lower of 4.25% or the Fully Indexed RateStart Rates as low as 1.00%1 and 3 year hard prepays availableThis is the advantage of working with a broker who has over 200 Lenders! We care about YOU!
Illinois or Nationwide.
Just call: 877-RATE100.
Loans in all 50 states: Chicago, Illinois, FIRST MONTH FREE! Wow: 100% No Money Down, no closing-cost option and first month FREE! Alabama, Alaska, Arizona, Arkansas, FIRST MONTH FREE! Wow: 100% No Money Down, no closing-cost option and first month FREE! California, Colorado, Connecticut, Delaware, FIRST MONTH FREE! Wow: 100% No Money Down, no closing-cost option and first month FREE! Florida, Georgia, Hawaii, Idaho, St Charles Illinois Elgin, Bartlett, Naperville, Schaumburg, Illinois, FIRST MONTH FREE! Wow: 100% No Money Down, zero closing-cost option and first month FREE! Indiana, Iowa, Kansas, Kentucky, FIRST MONTH FREE! Wow: 100% No Money Down, no closing-cost option and first month FREE! Louisiana, Maine, Maryland, Massachusetts, FIRST MONTH FREE! Wow: 100% No Money Down, no closing-cost option and first month FREE! Michigan, Minnesota, Mississippi, Missouri, FIRST MONTH FREE! Wow: 100% No Money Down, no closing-cost option and first month FREE! Montana, Nebraska, Nevada, FIRST MONTH FREE! Wow: 100% No Money Down, no closing-cost option and first month FREE! New Hampshire, New Jersey, New Mexico, FIRST MONTH FREE! Wow: 100% No Money Down, no closing-cost option and first month FREE! New York, North Carolina, North Dakota, Ohio, FIRST MONTH FREE! Wow: 100% No Money Down, no closing-cost option and first month FREE! Oklahoma, Oregon, Pennsylvania, Rhode Island, FIRST MONTH FREE! Wow: 100% No Money Down, no closing-cost option and first month FREE! South Carolina, South Dakota, Tennessee, FIRST MONTH FREE! Wow: 100% No Money Down, no closing-cost option and first month FREE! Texas, Utah, Vermont, Virginia, FIRST MONTH FREE! Wow: 100% No Money Down, no closing-cost option and first month FREE! Washington, West Virginia, Wisconsin, Wyoming
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